# 3 bedroom terraced house for sale (ST4 2RD)

## Property Details

| Key | Value |
|-----|-------|
| Address | 52 ELGIN STREET, STOKE-ON-TRENT, STOKE-ON-TRENT ST4 2RD |
| Price | £110,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 254 m² |
| Last sold | £69,950 Jul 2017 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Current heating cost:** £857/year
- **Est. upgrade cost to C:** £9,800

### Recommendations
- Hot water cylinder thermostat (£200 - £400)
- Solar water heating (£4,000 - £6,000)
- Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

## Description

A modernised two/three bedroom terrace, close to the university, with a rental income of £900pcm excluding of bills. The property benefits from gas central heating and double glazing, with accommodation comprising Dining Room/ Bedroom, Living room, kitchen and bathroom at ground floor level, with two bedrooms to the first floor. To the rear of the property there is a paved yard with walled borders.

## Property Photos

- ![Photo 1](/listings/photos/171596189/301) - Photo 1
- ![Photo 8](/listings/photos/171596189/302) - Photo 8
- ![Photo 5](/listings/photos/171596189/303) - Photo 5
- ![Photo 7](/listings/photos/171596189/304) - Photo 7
- ![Photo 6](/listings/photos/171596189/305) - Photo 6
- ![Photo 3](/listings/photos/171596189/306) - Photo 3
- ![Photo 2](/listings/photos/171596189/307) - Photo 2

## EPC Graphs

- ![Energy Performance Certificate](/listings/photos/171596189/613) - Energy Performance Certificate

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 52 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £69,950 | 04/07/2017 | Terraced |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| [Same street] 62 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £88,000 | 05/09/2025 | Terraced |
| [Same street] 23 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £137,000 | 18/08/2025 | Terraced |
| [Same street] 57 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £85,250 | 14/07/2025 | Terraced |
| 17 HAYWOOD STREET, STOKE-ON-TRENT, ST4 2RB | £75,000 | 07/05/2025 | Terraced |
| [Same street] 64 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £90,000 | 14/02/2025 | Terraced |
| [Same street] 65 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £96,000 | 18/10/2024 | Terraced |
| 27 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £175,000 | 27/03/2024 | Terraced |
| [Same street] 74 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £85,000 | 20/12/2023 | Terraced |
| [Same street] 30 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £80,000 | 20/12/2023 | Terraced |
| 25 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £131,000 | 18/12/2023 | Terraced |
| [Same street] 42 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £50,000 | 28/11/2023 | Terraced |
| 22 QUEEN ANNE STREET, STOKE-ON-TRENT, ST4 2EQ | £140,000 | 17/11/2023 | Terraced |
| [Same street] 30 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £68,000 | 25/10/2023 | Terraced |
| 30 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £50,000 | 12/09/2023 | Terraced |
| 53 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £145,000 | 30/08/2023 | Terraced |
| 55 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £165,000 | 30/08/2023 | Terraced |
| 13 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £138,000 | 11/08/2023 | Terraced |
| [Same street] 32 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £90,000 | 28/07/2023 | Terraced |
| 14 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EH | £118,000 | 28/07/2023 | Terraced |
| 37 HAYWOOD STREET, STOKE-ON-TRENT, ST4 2RB | £76,500 | 27/06/2023 | Terraced |
| [Same street] 25 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £95,000 | 03/05/2023 | Semi-detached |
| 36 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £148,500 | 04/04/2023 | Terraced |
| 36 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £148,500 | 04/04/2023 | Terraced |
| [Same street] 59 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £88,000 | 22/03/2023 | Terraced |
| 37 HAYWOOD STREET, STOKE-ON-TRENT, ST4 2RB | £45,000 | 16/03/2023 | Terraced |
| 49 AYNSLEY ROAD, STOKE-ON-TRENT, ST4 2RA | £229,000 | 20/01/2023 | Terraced |
| [Same street] 45 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £98,000 | 04/01/2023 | Terraced |
| 19 SEAFORD STREET, STOKE-ON-TRENT, ST4 2EU | £140,000 | 21/12/2022 | Terraced |
| [Same street] 72 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £98,000 | 25/11/2022 | Other |
| 42 CAULDON ROAD, STOKE-ON-TRENT, ST4 2ED | £107,000 | 21/11/2022 | Terraced |
| 66 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £125,000 | 16/11/2022 | Terraced |
| 57 BERESFORD STREET, STOKE-ON-TRENT, ST4 2EX | £159,950 | 28/10/2022 | Terraced |
| [Same street] 38 ELGIN STREET, STOKE-ON-TRENT, ST4 2RD | £81,000 | 10/10/2022 | Terraced |
| 50 QUEEN ANNE STREET, STOKE-ON-TRENT, ST4 2EQ | £172,000 | 04/10/2022 | Terraced |
| 36 QUEEN ANNE STREET, STOKE-ON-TRENT, ST4 2EQ | £172,000 | 04/10/2022 | Terraced |

**Street average:** £88,617 (15 sales)
**Area average:** £133,023 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £112,436 (145 Terraced, ST4, 2024–2026)
- **Deviation:** -2.2%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £637/mo
- **Realistic:** £708/mo
- **Optimistic:** £779/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Staffordshire North (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £593/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| [Ashford Street, Shelton, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/5421543) | £850/mo | 3 | 0.27 miles | Rightmove |
| [Glebe Street, Stoke-On-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/bc70e2e) | £1,610/mo | 3 | 0.42 miles | Rightmove |
| [Wadham Street, penkhull](http://87.117.209.195:8080/listings/c912cff) | £875/mo | 3 | 0.56 miles | Rightmove |
| [Princes Road, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/cc63d17) | £1,200/mo | 3 | 0.63 miles | Rightmove |
| [Boon Avenue, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/53f583e) | £850/mo | 3 | 0.73 miles | Rightmove |
| [Hartshill Road, Hartshill, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/0059f32) | £1,100/mo | 3 | 0.83 miles | Rightmove |
| [Claridge Road, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/39149e1) | £625/mo | — | 1.01 miles | Rightmove |
| [Ashlands Road, Hartshill, Stoke On Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/ad0eb8a) | £1,295/mo | 3 | 1.07 miles | Rightmove |
| [Ashlands Road, Hartshill, Stoke-On-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/5f4c6e4) | £1,295/mo | 3 | 1.07 miles | Rightmove |
| [Garden Place, Stoke-On-Trent](http://87.117.209.195:8080/listings/ffca92b) | £1,150/mo | 3 | 1.09 miles | Rightmove |
| [Clare Street, Stoke-on-Trent](http://87.117.209.195:8080/listings/e119338) | £800/mo | 3 | 1.12 miles | Rightmove |
| [Langley Street, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/5718963) | £995/mo | 3 | 1.13 miles | Rightmove |
| [Room 1, Hilton Road ST4](http://87.117.209.195:8080/listings/b05166f) | £550/mo | 3 | 1.15 miles | Rightmove |
| [Shelburne Street](http://87.117.209.195:8080/listings/7675d93) | £715/mo | — | 1.18 miles | Rightmove |
| [Steeple Way, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/46334d6) | £1,300/mo | 3 | 1.27 miles | Rightmove |
| [Algar Road, ST4](http://87.117.209.195:8080/listings/c0b340d) | £995/mo | 3 | 1.37 miles | Rightmove |
| [St Johns Avenue, Stoke-on-trent](http://87.117.209.195:8080/listings/e2fea00) | £1,095/mo | 3 | 1.78 miles | Rightmove |
| [Flash Lane, Trent Vale , Stoke-on-Trent](http://87.117.209.195:8080/listings/c1b59a8) | £750/mo | 3 | 1.79 miles | Rightmove |
| [King Street, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/c835724) | £700/mo | 3 | 1.92 miles | Rightmove |
| [Leawood Road, Trent Vale, ST4](http://87.117.209.195:8080/listings/483ca66) | £800/mo | 3 | 1.94 miles | Rightmove |

**Average rent: £1,057/mo (26 listings)**

## 1% Rule

- **Rent ratio:** 0.85% (okay)
- **Max investor price (0.8%):** £116,875
- **Target investor price (1%):** £93,500

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £935/mo).*

- **Gross yield:** 10.2%
- **Cost-to-rent:** 9.8×
- **Monthly cashflow:** £383/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 14.4%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £433/m²

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 12.6%
- **10y growth:** 32%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of February 2026.*

- **1y growth (index):** 1.6%
- **5y growth (index):** 24.9%
- **10y growth (index):** 57.5%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)